PERBANDINGAN PENGGUNAAN MOBILE BANKING FINTECH SYARIAH DAN KONVENSIONAL PADA SANTRI DI JOMBANG

Abstract

Digitalisasi layanan keuangan melalui mobile banking telah mengubah pola transaksi masyarakat, termasuk di lingkungan pesantren. Penelitian ini bertujuan menganalisis perbandingan manfaat, kendala, dan respons santri mahasiswa di Jombang terhadap penggunaan fintech syariah dan fintech konvensional berbasis mobile banking. Penelitian menggunakan pendekatan kualitatif dengan teknik pengumpulan data berupa kuesioner terbuka dan wawancara semi-terstruktur terhadap 16 santri pengguna fintech. Analisis data dilakukan menggunakan model Miles dan Huberman melalui reduksi data, penyajian data, dan penarikan kesimpulan. Hasil penelitian menunjukkan bahwa seluruh responden merasakan manfaat mobile banking dalam meningkatkan efisiensi transaksi, kemudahan pembayaran, fleksibilitas penggunaan, serta keamanan digital melalui PIN, OTP, dan biometrik. Kendala yang ditemukan meliputi jaringan internet tidak stabil, gangguan pada fitur QRIS, aplikasi lambat, dan transaksi gagal. Fintech syariah dipandang lebih sesuai dengan prinsip keislaman, sedangkan fintech konvensional dinilai unggul dalam kecepatan dan kelengkapan fitur. Perbedaan respons juga terlihat saat terjadi kendala transaksi, di mana pengguna fintech syariah lebih memperhatikan aspek kepatuhan syariah, sedangkan pengguna fintech konvensional lebih berfokus pada penyelesaian teknis. Penelitian ini menyarankan peningkatan kualitas layanan digital dan penguatan literasi keuangan syariah bagi santri.

Kata Kunci: Digitalisasi Keuangan, Mobile Banking, Fintech Syariah, Fintech Konvensional

Abstract

The digitalization of financial services through mobile banking has transformed transaction patterns, including within Islamic boarding school communities. This study aims to compare the benefits, challenges, and responses of student-santri in Jombang toward the use of Sharia and conventional fintech based on mobile banking. A qualitative approach was employed using open-ended questionnaires and semi-structured interviews with 16 fintech users. Data were analyzed using the Miles and Huberman model through data reduction, data display, and conclusion drawing. The findings indicate that all respondents perceived mobile banking as beneficial for improving transaction efficiency, payment convenience, usage flexibility, and digital security through PINs, OTPs, and biometric authentication. However, respondents also experienced technical issues such as unstable internet connections, QRIS payment errors, slow application performance, and failed transactions. Sharia fintech was considered more aligned with Islamic principles, while conventional fintech was viewed as superior in speed and feature availability. Differences in user responses also emerged when transaction problems occurred, with Sharia fintech users emphasizing Sharia compliance and conventional fintech users prioritizing practical technical solutions. The study recommends improving digital service quality and strengthening Sharia financial literacy among students.

Keywords: Financial Digitalization, Mobile Banking, Sharia Fintech, Conventional Fintech.